Saturday, January 22, 2011

Almost 20 months I do not update my blog

我突然想起我自己有一个部落格。。竟然20个月没有更新。。时间真的会飞吧。。

我要慢慢恢复我的作息。。过去的20个月真的忙得不可开交且很充实。 我也得到了很多领悟及物资上的获得。

2011年了, 我已经设好了今年的目标。 只许成功,不许为自己找借口怠慢进度。。

你们准备好展翅高飞了吗?

Wednesday, May 6, 2009

Thursday, April 30, 2009

Recent schedule

Time flies. I have on last year December booked flight to travel to HK for this coming 22.4.09. Without awareness, the day is coming at the corner.

I have yet to tidy my luggage and as well as hubby and Jayden's. This week have been spent time to search around the map and places of attraction to visit on the net. Unfortunately, my trip only for 4 days 3 nights. I think we should have no enough time for us to visit Macau. May be can plan in the future to visit Macau and Shen Zhen..

This is the 1st time we travel to Hong Kong. The purpose of this trip is to celebrate Jayden's 3 years old birthday. In the same time, I and Hubby can go for 2nd time honeymoon. Ha Ha!

We will take KTM to KL Sentral, then will take sky bus to LCCT Terminal. Estimated reach HK at 8pm. We have booked a Hotel at Shanghai Street. Approximately RM 300 per night. I have booked Disneyland Entrance Ticket via online too.

This week except been busy to prepare my HK trip, I have also busy with my income tax submission. Finally I have done the calculation on deduction and paid the tax to LHDN on 15.4.09. If I no need to pay this sum, I think I can eat a lots of nice food at HK..ha ha!

I also been busy to think of the idea to design our new house. Although we have experience to design and renovate our condo recently, but the design result and effect not as our expected. Therefore, this time I really need to work hard to find the suitable design and favorite design to our new house. This time I might having tight budget to spend for the renovation. I have to get the luxury design with minimum cost.

I will decorate my living hall with Europe or Country feel, China design to dining hall, modern design for kitchen, Zen design for Master Bedroom, Disney design to Jayden's room and Mixed design for family hall and study room.

Really can't wait to start to renovate our house. ...

Will update again later..

天意弄人

等再度怀孕已经等了三年。 记得以前还是少女的时候, 我曾经想过不要小孩, 也想过不要那么早结婚。 但是, 往往世事很难预料的。 再一次偶然相遇之下, 认识老公不到一个月我们就到谈婚论嫁的地步。 不久, 我们就排期注册结婚了。 注册后两个月正式怀孕了, 刚好就两个月, 应该就是注册当天干的好事。。哈哈! 就这样, 我的自由就全贡献给这个家了。

眨眼, 小瓜也三岁了。 在这三年, 我不停地尝试怀第二胎, 但是似乎上天不眷顾我们。 残忍的是, 每一次都给我们希望, 每一个月小红都延迟, 以为中奖了。。但是小红往往在重要关头就出现了。

去 年八月, 准备搬新家, 这次小红又迟报到, 但是有一些点点状, 所以到诊所检查。 医生说90%是有了。 过了几天, 还有有点状, 再去另外一间诊所, 这名医生也说90%。。最后小红来了, 这次又失望了, 而且很大的失望及失落。过后, 再去妇产科检查, 医生说没有残留物在体内, 属于自动流产, 没有大碍。心灵上受创伤, 身体上也受伤, 荷包更伤。 看了三次医生, 用了几百块!

终于, 我看开了。 命里无时莫强求。 顺其自然吧! 一切听天由命。

今年写这篇文章是因为又一次受伤。 小红迟了14天, 以为有好消息, 哪知刚才突然又来拜访了。 真扫兴! 适逢明天是假期, 看来上天真的喜欢作弄人啊!

神啊, 救救我吧!

Wednesday, March 25, 2009

refinancing your property

REFINANCING YOUR PROPERTY

Dear all friends and members,

Currently I am refinancing my Casa Prima Condo at the interest rate BLR – 2 %
under Zero Moving Cost (Legal fees and Disbursement Fees including stamp duty,
valuation fee etc all bared by the Bank), some bank might given better rate eg.
BLR – 2.1% for whole tenure.

My current loan with existing bank:-

The Existing Loan of RM 178,000-00 for 25 years at the rate of BLR – 0.50 % =
5.05 %
Interest payable at the end of 25 years totalling RM 135,729-00
Monthly instalment amount of RM 1,045-00

Refinancing with new Bank:-

The loan amount of RM 178,000-00 for 25 years at the rate of BLR – 2.00% = 3.55
%
Interest payable at the end of 25 years totalling RM 90,767-00
Monthly instalment amount of RM 895-00

You save RM 44,962-00 at the end of 25 years if you no need to pay penalty
charges under Lock in Period and you save RM 39,962-00 if you need to pay
estimated penalty fine at RM 5,000-00 (different bank different calculation,
please refer to your Letter of Offer).

If you remain the same monthly instalment amount of RM 1,045-00 meaning that you
have pay extra of RM 150-00 (RM 1045-00 minus RM 895-00) to your principal,
prepayments in the amount of RM 150-00 will result in a reduction of total
interest by RM 20,877-00. The term of the loan will be reduced by 5 years and 2
months. The total interest saveable compare with original loan is RM 44,962-00 +
RM 20,877-00 = RM 76,705-00 or RM 60,839-00 if with penalty fine.

The above stated is for reference only. Refinancing not only can save on
interest payable, shorten the tenure of loan, if you take higher loan amount
(subject your property value is increase compare with your original purchase
price), you can have extra cash on hand.

If you need further clarification, kindly contact me anytime. I have most of the
bank's contact and will fit your requirement.

Thank you for your time.

Regards,

Jodie Tan
017-2093608
Chenxiuling82@hotmail.com

Refinancing your Property

REFINANCING YOUR PROPERTY

Dear all friends and members,

Currently I am refinancing my Casa Prima Condo at the interest rate BLR – 2 %
under Zero Moving Cost (Legal fees and Disbursement Fees including stamp duty,
valuation fee etc all bared by the Bank), some bank might given better rate eg.
BLR – 2.1% for whole tenure.

My current loan with existing bank:-

The Existing Loan of RM 178,000-00 for 25 years at the rate of BLR – 0.50 % =
5.05 %
Interest payable at the end of 25 years totalling RM 135,729-00
Monthly instalment amount of RM 1,045-00

Refinancing with new Bank:-

The loan amount of RM 178,000-00 for 25 years at the rate of BLR – 2.00% = 3.55
%
Interest payable at the end of 25 years totalling RM 90,767-00
Monthly instalment amount of RM 895-00

You save RM 44,962-00 at the end of 25 years if you no need to pay penalty
charges under Lock in Period and you save RM 39,962-00 if you need to pay
estimated penalty fine at RM 5,000-00 (different bank different calculation,
please refer to your Letter of Offer).

If you remain the same monthly instalment amount of RM 1,045-00 meaning that you
have pay extra of RM 150-00 (RM 1045-00 minus RM 895-00) to your principal,
prepayments in the amount of RM 150-00 will result in a reduction of total
interest by RM 20,877-00. The term of the loan will be reduced by 5 years and 2
months. The total interest saveable compare with original loan is RM 44,962-00 +
RM 20,877-00 = RM 76,705-00 or RM 60,839-00 if with penalty fine.

The above stated is for reference only. Refinancing not only can save on
interest payable, shorten the tenure of loan, if you take higher loan amount
(subject your property value is increase compare with your original purchase
price), you can have extra cash on hand.

If you need further clarification, kindly contact me anytime. I have most of the
bank's contact and will fit your requirement.

Thank you for your time.

Regards,

Jodie Tan
017-2093608
Chenxiuling82@hotmail.com

Monday, March 23, 2009

学会放下, 烦恼自然远离你! 舍就是得!

人之所以痛苦,在于追求错误的东西

如果你不给自己烦恼,别人也远不可能给你烦恼。因为你自己的内心,你放不下。

好好的管教你自己,不要管别人。


你什么时候放下,什么时候就没有烦恼。

每一种创伤,都是一种成熟


根本不必回头去看咒骂你的人是谁,如果有一条疯狗咬你一口,难道你也要趴下去反咬他一口吗

忌妒别人,不会给自己增加任何的好处。忌妒别人,也不可能减少别人的成就。


得不到的东西,我们会一直以为他是美好的,那是因为你对它了解太少。

这个世间只有圆滑,没有圆满的

不要刻意去猜测他人的想法,如果你没有智慧与经验的正确判断,通常都会有错误的。

你要谢告诉你缺点的人


不要因为小小的争执远离了你至亲的好友,也不要因为小小的怨恨,忘记了别人的大恩。

谢上苍我所拥有的,感谢上苍我所没有的。

当你手中抓住一件东西不放时,你只能拥有这件东西,如果你肯放手,你就有机会选择别的。人的心若死执自己的观念,不肯放下,那么他的智慧也只能达到某种程度而已。

如果你能够平平安安的渡过一天,那就是一种福气了。多少人在今天已经见不到明天的太阳,多少人在今天已经成了残废,多少人在今天已经失去了自由,多少人在今天已经家破人亡。

恶口永远不要出自于我们的口中,不管他有多坏,有多恶。你愈骂他,你的心就被污染了.


世界原本就不是属于你,因此你用不着抛弃,要抛弃的是一切的执著。万物皆为我所用,但非我所属。

学会用理解的,欣赏的眼光去看对方。


发光并非太阳的专利,你也可以发光


总是恋未得到的,而遗忘了所拥有的

如你想要拥有完美无暇的友谊,可能辈子找不到朋友

Thursday, March 19, 2009

累!

最近真的很累,不是身体上的累, 是身心·心灵上的累。

除了在公司忙会计, 忙行政, 忙应付顾客, 忙准备文件, 总之就是忙忙忙。。回到家, 得忙小瓜的事, 一下子要这个, 一下子要那个, 除了冲凉时间, 其他的几个小时就是忙着陪他玩, 还要无时无刻准备回答他的“十万个为什么”, 什么都问得一餐饱的。看似在家休息几个小时, 事实上却是皮雷轰炸了几个小时。。忙啊!忙啊!

幸运地我和老公可以一觉睡到天明, 不幸运的话一晚还得起来好几次。 一觉起来, 又得花心思哄小瓜穿衣上学, 幸运地话10分钟搞定, 不幸地话可以拖半个小时。。。

要烦的事何等这些琐碎事, 还得烦老人家的健康, 还得看他的少许脸色, 更不用说要求他帮我照顾小瓜而让我有些空间处理一些事情。 还要提起戒备, 不得发脾气, 不得冲口而出。。真的有够辛苦的。

做人真的很难, 很辛苦。。自己的事都泥菩萨过江了, 还要管其他的事。 少许有点差错, 有点小差曲就会被人误会, 误解。。我一向我行我素, 要我每一个事情都要报告给人知道, 要解释这个那个, 我真的办不到。 我活在世界上, 不必向谁负责, 也没义务向别人解释那么多。 世上的事情没有绝对公平的。 你觉得值得就做, 不值得就别做。 如果做了又要人看见, 要人表扬, 那么那个是自欺欺人的行为。

从以前到现在, 我都是不屈不挠, 从来不怕什么黑势力。 到现在我也一样。 我们做事要觉得付出是值得的, 我们付出是为大家的, 不是个人主义也不是为了讨好什么人。 当你一二再·再而三被人拒绝你的意见, 想法, 直到自己觉得无地自容, 也渐渐觉得这些付出都不是我想要看到的结果, 那份热诚顺利成章会慢慢削减, 再慢慢消失。 一个不会珍惜不会聆听的领袖让我觉得如果凡事我都依照, 那么显得我很无知, 无能。最后, 我选择沉默, 选择离开。 我还是把重心放在家庭来得好。

从今天起, 我决定不再看别人脸色, 尤其那些不值得我尊敬的人。 希望那些自称出自自愿帮助别人的人, 可以出自真心, 而不是要求什么回报才在演戏。

可能你们看不懂我写什么, 但没关系。 我乱写而已, 我自己看就好了。

Friday, March 13, 2009

Building Specification & Floor Plans



Building Specifications

Structure : Reinforced Concrete frame
Wall : Clay brick with plastering
Roofing tiles : Cement Roofing Tiles
Roof Timber : Mixed Hardwood
Ceiling : Ground Floor - Reinforced Concrete Slab with Skim Coat
Lounge & Dining Only - Reinforced Concrete Slab with Skim Coat c/w plaster
cornice to edge.
First Floor - Asbestos free ceiling of approved type.
Windows : Powder Coated Aluminium Frame Casement/Top hung/Fixed panel with tinted glass/ Frosted glass.
Metal frame with fixed louvers frosted glass / Casement window.
Doors : Front Door - Metal frame with double leaf door
Kitchen & Bedroom 4 - Powder Coated Aluminium Frame Sliding door with tinted glass.



Bath/WC - PVC door



Corner with Terrace only - Powder Coated Aluminium frame sliding door with tinted glass.



Others - Single leaf door.

Locks : Approved cylindrical lock
Flooring : Lounge & Dining - 24"x24" Polish Homogeneous glazed tiles.
Master Bedroom, Family Hall, Bedroom 2 & 3 - Laminated Wood Flooring.
Bedroom 4, Wet & Dry Kitchen, Bath/WC 1, 2, and 3 - Ceramic tiles.
Balcony, Staircase, Car Porch - Homogeneous tiles.
Others - Cement render
Wall Finishes : Bath/WC 1, 2, and 3 - 7' high ceramic tiles.
Dry and wet kitchen - Full Height Ceramic tiles.
Others - Emulsion Paint.
Sanitary Installation : Single bowl aluminium kitchen sink - 2 nos.
Sitting w.c - 3 nos
Wash Basin - 3 nos
Shower Point - 3 nos
250 gallons HDPE water tank - 1 nos
Tap point - 3 nos
Electrical Installation Lighting point - 18 nos
13 amp Power point - 13 nos
Ceiling fan point - 7 nos
Telephone point - 2 nos
Internet point - 1 no
A/C point with piping - 3 nos
TV point - 1 no
Astro point - 1 no
Water heater point with piping - 2 nos
Door bell point - 1 no
Automatic gate point - 1 no
Alarm points
Fencing : Front & Side -Brick wall with M.S Grilles with 2 light point only at Car Porch Column
Back - 5 'ht Chain link fencing.
Windows Grill : Openable M.S Grill to bedroom 2 only